“A 401(k) is a vehicle, but most people are driving it like a Camry when it could be a Lamborghini.”

What if your 401(k) isn’t the retirement safety net you think it is? In this episode, Jaspreet exposes the hidden traps behind America’s favorite retirement plan. Think of high fees, taxes, inflation, and limited options and he'll show you why relying on it alone could leave you broke.

Jaspreet breaks down what the 4% rule really means, how much you actually need to retire comfortably, and smarter ways to invest outside your 401(k) so your money can work faster and harder for you. Whether you’re just starting out or rethinking your retirement strategy, this conversation will help you understand the system, and play the game to win.

• Why most 401(k)s won’t deliver the retirement people expect

• The hidden cost of “free money” and employer matching

• What the 4% rule gets wrong in today’s economy

• Smarter ways to invest beyond your 401(k)

• How to build multiple vehicles toward financial freedom

Listen now to learn how to turn your 401(k) from a slow ride into a real wealth engine.

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

“A tax refund is a 0% loan you gave the government because you overpaid your taxes.”

Tax season hype says “free money.” Jaspreet explains why refunds happen, how to stop overpaying (so more of your paycheck hits your account all year), and the smartest ways to deploy any refund so it builds assets, not someone else’s profits.

• Why refunds exist (withholding now, true tax due later)

• How to adjust your W-4 using the IRS Withholding Estimator so you’re not lending money for free

• Fastest way to receive a refund (avoid delays = no missing W-2/1099s)

• The asset vs. liability test and why cars, watches, and vacations drain wealth

• A simple plan to turn refunds into long-term gains (emergency cash, then investments).

00:00 Hook: Refund ≠ free money 01:06 Why refunds happen (withholding 101) 03:22 How to stop overpaying (W-4 + IRS estimator) 06:05 Fastest way to get your refund (avoid delays) 08:10 Assets vs. liabilities (the only test that matters) 12:00 Where your refund should go (emergency fund → investing) 15:30 Put it on autopilot (ABB) 17:20 Final thoughts & resources

Keywords: tax refund 2025, IRS W-4, withholding estimator, how to stop overpaying taxes, fastest tax refund, invest tax refund, emergency fund 3–12 months, ABB always be buying, index fund ETF, assets vs liabilities, Minority Mindset

#taxrefund #taxes #withholding #personalfinance #investing #MinorityMindset

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

“Keeping all of your money in your bank account is actually more risky than it is safe.”

Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets.

You’ll learn the difference between cash vehicles (HYSA, CDs, Treasuries) and assets (stocks, real estate, gold, crypto), how to set up separate accounts for emergencies, big purchases, and investable cash, and the simple passive/active strategies to actually grow wealth.

• The problem with low-yield savings when inflation is higher

• How much to keep in cash (and where to keep it) for:

  • Emergency fund (3–12 months of expenses)

  • Big purchases (house/car/vacation)

  • “Dry powder” for investing

• Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs)

• Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit)

• Investing approaches:

  • Passive: ABB: Always Be Buying (index/ETF habit)

  • Active: research-led buys while idle cash earns interest

00:00 Hook: Why big bank balances lose you money 01:18 Cash vs. assets (and why cash isn’t an “investment”) 04:05 Rates, inflation, and your real return 07:20 Where to park cash: HYSA, CDs, Treasuries, ETFs 10:42 The 3 reasons to save (emergency, big purchase, invest) 14:50 How much is enough: 3–12 months explained 18:22 Passive vs. Active investing (ABB + research) 22:10 Putting it together: your cash + investing game plan 25:30 Final word & resources

Keywords: how much cash to keep, emergency fund 3 to 12 months, high yield savings vs treasury, cash vs assets, beat inflation 2025, ABB always be buying, passive vs active investing, index funds VTI SPY QQQ, treasury ETF basics, inflation and savings, Minority Mindset

#personalfinance #investing #inflation #savings #wealthbuilding #MinorityMindset

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

“Wealthy people have an investing playbook: a system that works whether markets boom, crash, or move sideways.”

Jaspreet breaks down the 5-step playbook he wishes he had on Day 1: how to fund your investments automatically, choose between cash flow vs. growth, pick a strategy (passive, outsourced, or active), design a real portfolio across asset classes, and set a smart selling + tax plan. Less guessing, more compounding.

• The money-flow system: 75/15/10 (or 50/30/20 if you’re going aggressive) + 3 separate bank accounts

• Cash Flow vs. Growth: how to pick, and why starting with one matters

• Strategy tiers: Passive (ABB: Always Be Buying), Outsourced (AUM & fees), Active (research-first)

• Portfolio design beyond stocks: business, real estate, stocks, speculative (startups/crypto), gold

• Selling & taxes: when to trim, 1.5% AUM math, and why real estate’s 1031 exchange can defer taxes

00:00 Hook: The playbook the wealthy use 01:02 Step 1 — Get the money to invest (75/15/10, 3 accounts, automation) 05:28 Step 2 — Define your goal: cash flow vs. growth 09:10 Step 3 — Choose a strategy: Passive, Outsourced, or Active 15:22 Step 4 — Build the portfolio (asset classes & real diversification) 21:05 Step 5 — Selling rules, fees, and taxes (1031s, capitals gains) 25:40 Putting it together: the playbook in one page

Keywords: investing playbook, how to start investing 2025, cash flow vs growth investing, ABB always be buying, 75/15/10 rule, investing strategy passive vs active, diversify beyond stocks, real estate investing basics, AUM fees explained, 1031 exchange basics, Minority Mindset

#investing #personalfinance #wealthbuilding #stockmarket #realestate #MinorityMindset #financialeducation

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

“The money game has changed, but most people are playing like it’s still 1995.”

School told you to study hard, get a good job, save a little, and you’ll retire rich. Reality check: underemployment is rampant, AI is reshaping jobs, savings lose to inflation, and Social Security is strained. In this episode, Jaspreet breaks down how the system actually works, and how to use it to your advantage.

• The 3 rules of money:

  1. Money flows to owners/investors

  2. Inflation benefits owners, not spenders

  3. The tax code rewards investors over W-2 income

• Why “be a business owner” can mean buying the business (owning shares), not starting one

• The 75/15/10 system to automate spending, investing, and saving (with 3 bank accounts)

• How to use banks, corporations, and the tax code for you (not against you)

• Why downturns (2000, 2008, 2020, 2022) create buying opportunities for prepared investors

00:00 Hook: You’ve been lied to 01:08 Why the old playbook fails (jobs, AI, inflation, Social Security) 04:20 Who really profits: consumers vs. businesses vs. investors 07:12 Rule #1: Money flows to owners 09:10 Rule #2: Inflation’s hidden transfer of wealth 11:45 Rule #3: Taxes—W-2 vs. investor income 14:20 “Be a business owner” by buying pieces of great companies 17:05 The 75/15/10 plan + 3 accounts automation 21:00 Smart saving (emergency/big purchases) vs. investing 24:10 Avoid desperation traps & get-rich-quick pitches 27:30 Using downturns to your advantage 30:00 Action plan & next steps

Keywords: building wealth 2025, new rules of money, why the rich get richer, investor vs employee taxes, inflation explained for investors, become a business owner by buying stocks, 75/15/10 rule, automate investing three bank accounts, Minority Mindset wealth, Social Security retirement crisis, how to start investing, downturn buying opportunities

#investing #personalfinance #wealthbuilding #inflation #taxes #stockmarket #MinorityMindset #financialeducation

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

“If you’re chasing what’s hot, you’re already late.”

Most people don’t lose money in the stock market because they picked the wrong stock. They lose because they picked the wrong habits.

In this episode, Jaspreet breaks down the seven biggest mistakes that silently kill your wealth, from chasing hype stocks to ignoring tiny fees that quietly eat your millions. He explains how to think like a real investor, not a gambler, and how small mindset shifts can completely change your long-term returns.

What You’ll Learn:

• Why a high dividend doesn’t always mean a good investment

• How to spot when you’re following headlines instead of research

• The simple math that proves paying off debt beats investing too early

• Why you should never invest more than you can afford to lose

• How to flip market crashes into million-dollar opportunities

• The power of long-term investing over constant stock checking

• How small management fees can quietly rob you of millions

Listen if you’ve ever thought: “I just need to find the next hot stock.” Because Jaspreet will show you why the smartest investors get rich by being early, patient, and boring.

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------